Link your Bank Account or Debit Card

Harbor supports two ways for your customers to fund on-ramp transfers directly from their financial accounts — linking a bank account via ACH Pull, or binding a debit card.

Link a Bank Account

Connect a U.S. bank account via a secure widget and initiate ACH Pull transfers to purchase stablecoin.

Link a Debit Card

Bind a debit card through a hosted binding page and use it as a funding source for on-ramp transfers.

Comparison

	Bank Account (ACH Pull)	Debit Card
Payment Method	`ACH_PULL`	`DEBIT_CARD`
Linking Flow	Bank connection widget	Card binding page
Source ID Prefix	`clbacc_`	`card_`
Transfer Parameter	`source_linked_bank_account_id`	`source_linked_card_id`
Transaction Limits	No per-transaction limit	Per-transaction, daily, weekly, monthly limits
Settlement Speed	Standard ACH processing	Typically faster

Prerequisites

Both methods require the following before a customer can link a funding source:

Enable the corresponding payment method (ACH_PULL or DEBIT_CARD) for your Application
Complete KYC verification for the customer (status: VERIFIED)
Complete bank compliance onboarding for the customer (CRB Bank Onboarding status: ONBOARDED)